| China's banks from the earliest policy functions gradually separated from commercial functions,many commercial banks have been set up,from large state-owned commercial banks,to national joint-stock commercial banks,and in recent years to the development of small and medium-sized commercial banks,China's banking market shows different types of competition patterns of commercial banks.And for small and medium-sized banks with smaller assets and later development,the future development is facing opportunities and challenges.On the one hand,China's rapid economic development,financial market constantly improve the demand for banks more and more,on the other hand,domestic banks are in the transition period,for the characteristics of small and medium-sized banks to provide a rare opportunity for development.Based on this background,the Bank of Jiangsu as the representative of the domestic small and medium-sized banks,based on the "Harvard Analysis Framework",combined with the characteristics of bank financial analysis,through the strategy,accounting,finance,Outlook four analyses of the dimensions,analysis and diagnosis of Bank of Jiangsu's operation and development.Bank of Jiangsu is a local joint-stock bank which was established after 2007 years of reorganization and merger of 10 provincial inner-city firms in Jiangsu Province and was completed in 2016.As a small and medium-sized bank in China,the characteristics of its operation and development are very typical,and the analysis and diagnosis of the Bank of Jiangsu is of great reference significance to other small and medium-sized banks.In this paper,the research status of Harvard analytical Framework and correlation theory is summarized,and the aim is to propose the concrete analysis content which is suitable for the bank.Taking the special financial industry as the research object,abandoning the research characteristics of the manufacturing and retailing industries,and analyzing the specific financial risks and assets particularity of the bank,this is also the innovation of the article.Based on the Harvard analytical Framework,the Bank of Jiangsu is comprehensively analyzed and diagnosed from four dimensions.In the strategic analysis,the planning of Jiangsu's banks is not perfect,the strategic implementation lacks planning,the main reason lies in the regional development and the cross-regional development is not coordinated,The strategic objectives of Jiangsu Bank are not clear,and the role of strategic planning must be played,and the strategy of medium and long-term development should be formulated from the advantages and opportunities.Secondly,in the accounting analysis,the credit management system is not perfect,the poor loan rate is higher,the lack of effective management of the loan,Jiangsu must improve the credit system of loan credit,and improve the credit management system in the pre,the matter and the ex-post.In the aspect of financial analysis,the bank's intermediary business development is insufficient,the financial structure is not good,this is because the Jiangsu bank in recent years development relies heavily on the debt increase,in order to increase the debt to raise the bank assets scale,its problem solves must optimize the bank's income structure,expands the internal fund source.In the prospect analysis of Jiangsu Bank,it is found that the characteristics of banking are not obvious,the phenomenon of homogeneity of business exists,which is caused by the lack of innovation of banking business,so it is necessary to reposition the banking business and promote the development of diversified business on the basis of highlighting the characteristics of banks.Through the analysis framework of Harvard,the Bank of Jiangsu Province was analyzed.This paper not only makes concrete research on the existing problems of Jiangsu Bank,puts forward corresponding countermeasures,but also provides reference for the future development of other small and medium-sized banks,and gives some relevant ideas and inspirations... |
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